Jane was professional woman in her late 20s. She had managed to save enough money to buy her first home. She was not in a relationship. Jane had to decide whether she would own the home in her own name or put it into a trust right from the start. For a reasonable cost Jane set up a trust and her home was bought by the trust. Jane loaned the deposit to the trust and then forgave the debt. The net result was that all equity connected to the home was owned by the trust and not Jane. When Jane later entered a de facto relationship, and then this ended after 3 years, the trust structure meant that the home was protected from claim by the ex partner. Jane had not needed to suffer the expense and stress of entering into a section 21 relationship property contracting out agreement. Although sometimes claims can be made against trust assets by ex partners, if the trust is set up right, and at the right time, this risk is likely to be small. For added security a section 21 agreement could be entered into, however, our experience is that trusts are often the best answer.